Metlife Homeowners Reviews

I have been with this company for over 20 years for my homeowners, and auto insurance without any problems on my end. My family and I have been very loyal customers and I have always paid our bills on time with them. The problem, and the reason for the one star review: they recently dropped me without notice on our homeowners insurance policy for something simple that took only a few days to fix on the house (tree branches hanging over the roof that needed cut back).

I spent nearly 2 hours on the phone with an agent, at the beginning I asked for a quote for car and home insurance. Well, the car insurance ended being too expensive, but the home insurance was affordable, the agent send me the quote proposal home to my email address. Since I was going to keep my old auto insurance I ask the agent to make the same quote, but this time not at my name, but at my mother's name, since we both owned the house. Then he said that Metlife declined to insure the house because they said that it is a sinkhole area.

Last August, 2019 we bought our house. MetLife came out and did their usual inspection. We never heard back from them. In April, 2020 they contacted our agent and said we needed to get rid of some bushes around the house, which was already done in September 2019. They also said the roof needed to be done. We had the roof already scheduled for July 2020. The day our roof was done, we got a letter that they were not renewing us in August 2020. They never even followed up with us to see that we got everything done. If they had renewed us, they would have set our home value at $660,000, which is more than double what the home is actually worth, so we would have paid a larger than needed premium. Worst company to deal with. Thankfully we found an insurer who has been great to work with and has valued our home only slightly higher than is has been appraised for.

Metlife cancelled after I refused to let the 3rd party inspector inside my home during the Covid-19 pandemic. What part of there is a worldwide pandemic, and a potentially deadly virus spreading does Metlife not get? The inspector showed up at my house unannounced and even after I told him not to get out of his car, he did, and proceeded to walk into my yard. He took full advantage of the fact that I was a woman, by myself. These are the kind of people that are hired by this third party inspection company, and, essentially, Metlife. Apparently all Metlife is concerned about is collecting their premiums, and not human lives. Do you really want to pay money to a company that has no concern for their clients' safety?

I had been a Met Life homeowners customer for over 20 years. Every year I had problems with billing-- they would agree to a 12 month payment plan, then switch it back to a nine month payment plan whereby they say they were going to cancel my insurance. I attempted to file two claims over the course of 20 years and was denied both times. When I had enough, I called them and asked them to insure me through January 22nd and I paid their quoted amount through January 22. I called to confirm cancellation on the 23rd, and then I received another bill for $28 for one more day. All our phone conversations were recorded, and I repeatedly stated I did not want to be insured after the twenty-second. It's all about them and their money--it's not about the customer. I do not recommend this company.

My girlfriend has had MetLife homeowners for 40 + years. A drunk drove into our house which has stone siding. So here we are living in Illinois in the winter with a hole in our house. They keep lying to us about how much it will cost to fix our home. At first we were told to get it fixed and they would pay. Well they have sent two checks which will cover almost half. I guess I need a lawyer and file a complaint with the commerce commission. 10 weeks is long enough to live like this.

After being with the same insurance agency for over 60 years, our home and auto insurance was changed to MetLife. After making a claim, it took the Donan Engineering Company 7 weeks to show up. The West side of my house was left open in the rainiest summer in centuries. The inside was destroyed including my grandmother's antique oak furniture. MetLife is insistent that the house had been leaky for an extended period of time. This is untrue. All attempts at collecting on our policy were denied. The Donan Co. has an apparently questionable reputation from private adjusters. Apparently, their people receive nice bonuses for rejecting claims. I find MetLife's use of such people below shameful behavior. My advice; steer clear of MetLife! As for my agency, I'm sure if father Rudy and son Jack were still alive, this selling out of their customers would never have happened.

My garage was demolished by a hit-and-run driver in June 2019. I was fully insured through Metlife Homeowner's insurance for replacement value of the garage, up to $40.000. To date, they sent an adjuster out to meet me but she texted me that she had to come early, while I was still at work, because she didn't want to get caught in an expected thunderstorm. She sent a quote that was so low that I could not find any contractor that didn't laugh at the quote. I sent her (certified mail, return receipt requested, two times) all of the bids/estimates that I received.

During a mortgage refinance we discovered that Metlife was drastically OVERCHARGE for insurance premiums. We have a $200K home, and we’re paying $4000/yr in premiums. New company offers higher coverage for $1500/yr. Premiums were paid through payroll deduction, so the gradual 5 year increase from $2000 to $3900 annual premium went unnoticed until our bank questioned the high rate. When I called to question it, the rep said he wasn’t sure, because we’ve had no claims since starting with them. Looking into legal action.

On 7/3 I was advised by my downstairs neighbor that there was a leak coming from my AC unit. I immediately called to get the leak repaired. I also called MetLife to open a claim. From start to finish, my adjusters have been as unhelpful as possible. I'm going to pay a couple thousand dollars out of pocket because they didn't provide sufficient information about the claim process and my lack of liability for the downstairs unit. They did not indicate that they had recommended vendors. The inspector didn't conduct a thorough inspection and indicated there was no damage when, in fact, the was mold damage in the AC air intake vent. In spite of the fact that there was mold damage, they didn't offer a hotel. I had to bully them into it. Now that the moldy drywall has been cut out, I have to beg to get it restored because the inspector said there was no damage. WORST EXPERIENCE EVER. DO NOT RECOMMEND.

My policy is paid by my mortgage company through escrow. It has been this way since 2007 (12 years). A few months ago, I received a notice that my policy hadn't been paid for 2019. I called MetLife and found out that the policy billing had been changed from escrow billed to insured billed, although I had never received a notice of this or a bill until the cancellation notice. I contacted my mortgage company, they too were unaware of this change and had also not received notice from MetLife or any bills from MetLife. MetLife has been so difficult to deal with and all I want to do is pay my bill. I have never had a claim and am thankful for that. I cannot imagine the nightmare that would be, considering the level of service received when trying to pay my premium. STAY AWAY!! Find another insurance company who wants your business and provides some level of customer service.

We have had Metlife for many years and have never had to file a claim on our homeowners... That is until SIX WEEKS AGO when our house flooded. There is a total lack of communication between the very young part time INEXPERIENCED 3rd party adjuster named Emma and the Mishawn at the main office, the repairs are still not done! SIX WEEKS??? As of today 3/12/19, (SIX WEEKS LATER) Metlife is telling us that they do not have a contractor in our area? Why have we been paying homeowners insurance for so long if you cannot "insure" us and be there when we need you most? Never again with Metlife!

I have great retiree discounts through my former employer for HO and auto, plus my dental separately. My overall experience is that they're not even trying with their customer service, on the phone or online. It's as if they WANT you to have a bad experience so you'll just give up and leave them alone. I don't recall EVER being solicited to complete a survey of my experience with them. You decide: low premiums or great customer service. It seems you can't have both with MetLife.

Was quoted one price over the phone and received my bill $100.00 higher. Tried call customer service. First time hung up. Called back, transferred, on hold. Called back and could not explain why. Finally give up.

I would give them zero stars if I could, because they provided me zero service. I found out the hard way that they canceled my homeowners insurance policy when they sent me the notice in the mail (according to the postage, they didn’t send until three days after cancellation). When I called them to ask why it was canceled, they said it was because the bills were never paid. My escrow was supposed to cover that, so of course I called my mortgage company furious. As it turned out, the reason the bills were never paid was because my lender never received any bills; in fact, they never even received a declaration letter.

After extended trip, returned home to find major leak in kitchen. Cabinets, floors ruined. Constant promises from MetLife insurance lackey proved to be all lies. Bottom line, DO NOT get this Insurance. After constant lies they cancelled homeowners insurance with no notice.

My husband and I purchased renters insurance on 2/17. The next day there was a tornado in our area. We didn't have any damage to any of our personal items. We were glad that we had just purchased a policy. So a few months later. Prior to purchasing the policy every faucet in the rental property was leaking and after several attempts to get the SLUMLORD to repair it. We decided to do it on our own. After replacement of the sinks we started to see mold spores throughout the property and inside the ventilation system.

Hail damage claimed on our roof. First roofer said there was hail damage. Their adjuster said no hail damage just wear and tear. Several roofing companies stated otherwise. I am not a roofer, it is quite obvious there is damage. Therefore a second adjuster was request. Second one states there is 'some' hail damage. So they made a small payment, $400 on $1000 deductible. I had a independent adjuster come by and take a look so I can get an unbiased opinion. He stated roof needs to be replaced because of hail. So now I had to hire a public adjuster. (What shysters!) Have been with MetLife over 6 years. No claims. 1st claim rejected, others in neighborhood with damage paid off with other insurance co. also car companies near had hail damage.

I have been with MetLife for 25 years and have never filed a claim until this month. My claim was for hail damage of the soffit and fascia to the roof. All of this seems to have stemmed from a simple misunderstanding on my sister's part and the oversized ego of one man. Grant **, the claim adjuster called my house to determine a time to come out and look at the damage. My sister answered the phone, and assuming he was selling insurance, told him we already had it, and proceeded to hang up on him.

Our home has been insured with Metlife for over 15 years. We NEVER made a claim until 2016 for which we received $5,000.00. Our Renewal just arrived and the premium increased by $1,100.00 over FIFTY PERCENT!!! I immediately called Met and asked what caused the increase. The rep said it was a number of factors including the claim. I asked for the dollar amount the claim attributed to the increase and was told it was over $1,000.00, basically all of it. I was then made aware the increase would be in effect for 3 years. Isn't the point of insurance to be covered in the event of a loss? Clearly not to Metlife. We didn't know Metlife was only going to cover our loss TEMPORARILY. We now have to pay back 60% of the loss, $3000.00, over the next 3 years. We spent the $5,000.00 never thinking we needed to save $3,000.00 to pay them back.

I would not give even 1 star if I didn't have to. Do not support them. I was denied a quote because I have dogs and they are considered a liability!?? How can this company be affiliated with Banfield Pet Hospital if they discriminate against dog breeds??? Im a vet tech. I have a pit bull, papillon and husky mix. They asked if my pit bulls have ever bit someone and no they haven't and they never will. My papillon is more likely to bite you than my pit!! What the heck!!?? They said they wouldn't give me a quote because my pit bull is a liability and is likely to bite someone.

I was with Metlife for about 10 years before I made my first claim. During those ten years my premiums slowly increased. Then came the two claims I made - one for hail damage of my roof and the second for a failed sump pump that flooded my basement destroying my wall to wall carpeting. Both claims were handled entirely different. The hail damage claim only took one estimate and they cut me a check minus my deductible fairly quickly. The carpeting was a different story. Newbies beware. My coverage was for replacement cost. The Metlife adjuster took a sample of carpet and had it sent to a lab because I could not find my original receipt. He also sent out a company to measure and perform remediation. I received an estimate from the insurance adjuster for the carpeting that was not close to what I remembered paying for it.

I called and submitted a claim for water damage in our house. They sent an insurance adjuster to our house. He got up onto our roof and told my husband that we had hail damage. He told us that we needed to call and submit a separate claim for that, which we did. Numerous time we asked him would this affect our policy in any way at all, we were told IT WOULD NOT. Well yesterday I get a cancellation letter in the mail for having too many claims filed. We were entrapped by that adjuster. He knew they would cancel us and all we will do was what he said. Well, needless to say, our cars are with them as well and I will be canceling those too.

METLIFE home insurance worst service quality. METLIFE Home Insurance increased my premium above NCRB (North Carolina Rate Bureau) 10.6%. I have never filed a claim, always paid on time, and now METLIFE is kicking me out. Bad customer quality. They do NOT care. Go to another insurance company.

I have had my current homeowners insurance company for about 7 years. They have a good "Grand Protect" program. They re-evaluate every couple of years to make sure my coverage is still current. I have not had a claim with them so I can't comment on that.

It was there, never needed it, but it was nice to have, just in case. Before that we had renters insurance from All State, and though we never needed it, it was also to have. Specially since we lived in a neighborhood that was, shall we say a bit interesting. Thankfully, nothing ever happened, never had a break in and our stuff remained ours. It not much, but it was ours. And really, what else is there to say? It is good to have insurance, just in case.

I have 3 vehicles insured with MetLife for over 7 yrs. I receive discounts for multi-vehicles plus, security system and homeowners insurance as well. I just recently filed my 1st claim for a cracked windshield. The claim/windshield process was fast and went smoothly. I have been very happy with the service/discounts.

I find the customer service at MetLife topnotch. Representatives are knowledgeable and responsive to my questions. While I've never had a Homeowner's insurance claim, I'm confident MetLife would be there for me if I need them.

I really have nothing to say --- I have had the insurance for many years -- but have never had to file a claim -- so I am happy with it and my insurance agent "Dave **" has been an excellent agent.

I have not made a claim in a couple of years but a few years ago we experienced a hurricane and had some damage, mostly outside. I have to say that compared to companies that our friends and family had, MetLife's response was quicker than most. We had an adjuster sent out and received our check for repairs a lot quicker and obviously they were busy due to the storm. The price is about average compared to other companies as I've shopped around. I'd say overall even the claims process is fairly easy. I have no major complaints or concerns.

This is an affordable homeowner's insurance company. We've only had to file one weather related claim but everything went smoothly with it. The company has very good customer service and is easy to get in contact with.

No problems - only called them once to remove an additional property after I sold it. Received my refund check promptly. Same for my husband when he sold his rental property.

They take care of my needs at a great price. Their service is outstanding and always have an answer to my questions. When I need to make a change they always do it in a timely way and 24 hour a day service is outstanding. They never have questioned any claim I have had and always pay out promptly. I would recommend them for any and all types of insurance as they have done a great job for me.

I am satisfied with the amount of coverage and the premiums for my homeowner's, auto, and umbrella policy. However, I cannot access Met LIfe without going through the independent agent we used years ago to obtain this insurance, and it is inconvenient when the agency is closed. I would like the option of being able to speak with a company rep at Met Life during my agent's off-hours.

Very good company. Have been with METLIFE insurance company for over four years. I have an agent in the same town that I live in and that makes it real nice. I have my house and a auto and truck insured with METLIFE also.

I am most frustrated about how I contacted the office regarding a claim on my roof. The adjuster came out and said he did not find any damage. As a result of that, I have not been able to shop for insurance elsewhere because of the claim which was never activated.

MetLife has been my insurance company for a very long time. Their customer service has always been very helpful, and they have responded to my claims very promptly. I would definitely recommend them to anyone.

I bought the policy when I bought my home over 15 years ago and I've never made a claim. My bills are auto-pay. I've never visited the website or spoke to a representative.

We have only had one claim in 25 years and it was handled very well. The only complaint I would have is the price continually rises and on a fixed income it can be very hard to pay the bill. I have not thought of changing because all our policies are combined and as I said their service is excellent.